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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 3.74
NCBC's Cash to Debt is ranked higher than
81% of the 1274 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NCBC: 3.74 )
NCBC' s 10-Year Cash to Debt Range
Min: 0.34   Max: No Debt
Current: 3.74

Equity to Asset 0.11
NCBC's Equity to Asset is ranked higher than
74% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NCBC: 0.11 )
NCBC' s 10-Year Equity to Asset Range
Min: 0.08   Max: 1
Current: 0.11

0.08
1
Interest Coverage 0.90
NCBC's Interest Coverage is ranked higher than
62% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NCBC: 0.90 )
NCBC' s 10-Year Interest Coverage Range
Min: 0.13   Max: 1.12
Current: 0.9

0.13
1.12
F-Score: 3
Z-Score: 0.12
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 23.40
NCBC's Operating margin (%) is ranked higher than
65% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.05 vs. NCBC: 23.40 )
NCBC' s 10-Year Operating margin (%) Range
Min: -37.01   Max: 33.86
Current: 23.4

-37.01
33.86
Net-margin (%) 14.51
NCBC's Net-margin (%) is ranked higher than
61% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.45 vs. NCBC: 14.51 )
NCBC' s 10-Year Net-margin (%) Range
Min: -36.69   Max: 21.19
Current: 14.51

-36.69
21.19
ROE (%) 5.25
NCBC's ROE (%) is ranked higher than
62% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.96 vs. NCBC: 5.25 )
NCBC' s 10-Year ROE (%) Range
Min: -15.52   Max: 10.98
Current: 5.25

-15.52
10.98
ROA (%) 0.56
NCBC's ROA (%) is ranked higher than
63% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. NCBC: 0.56 )
NCBC' s 10-Year ROA (%) Range
Min: -1.34   Max: 0.83
Current: 0.56

-1.34
0.83
ROC (Joel Greenblatt) (%) 43.52
NCBC's ROC (Joel Greenblatt) (%) is ranked higher than
63% of the 1430 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.30 vs. NCBC: 43.52 )
NCBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -69.85   Max: 96.03
Current: 43.52

-69.85
96.03
Revenue Growth (%) -8.90
NCBC's Revenue Growth (%) is ranked higher than
56% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NCBC: -8.90 )
NCBC' s 10-Year Revenue Growth (%) Range
Min: -8.9   Max: 30.4
Current: -8.9

-8.9
30.4
» NCBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 17.00
NCBC's P/E(ttm) is ranked higher than
54% of the 1452 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.70 vs. NCBC: 17.00 )
NCBC' s 10-Year P/E(ttm) Range
Min: 7.51   Max: 205.12
Current: 17

7.51
205.12
P/B 0.89
NCBC's P/B is ranked higher than
77% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. NCBC: 0.89 )
NCBC' s 10-Year P/B Range
Min: 0.26   Max: 5.64
Current: 0.89

0.26
5.64
P/S 2.36
NCBC's P/S is ranked higher than
62% of the 1640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. NCBC: 2.36 )
NCBC' s 10-Year P/S Range
Min: 0.53   Max: 8.54
Current: 2.36

0.53
8.54
PFCF 12.05
NCBC's PFCF is ranked lower than
60% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. NCBC: 12.05 )
NCBC' s 10-Year PFCF Range
Min: 1.24   Max: 88.38
Current: 12.05

1.24
88.38
EV-to-EBIT 14.49
NCBC's EV-to-EBIT is ranked higher than
68% of the 1410 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.82 vs. NCBC: 14.49 )
NCBC' s 10-Year EV-to-EBIT Range
Min: 15.5   Max: 172.8
Current: 14.49

15.5
172.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
NCBC's Price/Tangible Book is ranked higher than
85% of the 1362 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. NCBC: 0.89 )
NCBC' s 10-Year Price/Tangible Book Range
Min: 0.28   Max: 3.21
Current: 0.89

0.28
3.21
Price/DCF (Projected) 0.48
NCBC's Price/DCF (Projected) is ranked higher than
79% of the 904 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. NCBC: 0.48 )
NCBC' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 0.44
Current: 0.48

0.14
0.44
Price/Median PS Value 1.14
NCBC's Price/Median PS Value is ranked higher than
60% of the 1478 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. NCBC: 1.14 )
NCBC' s 10-Year Price/Median PS Value Range
Min: 0.27   Max: 3.23
Current: 1.14

0.27
3.23
Price/Graham Number 0.82
NCBC's Price/Graham Number is ranked higher than
70% of the 1341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. NCBC: 0.82 )
NCBC' s 10-Year Price/Graham Number Range
Min: 0.52   Max: 2.04
Current: 0.82

0.52
2.04
Earnings Yield (Greenblatt) 6.90
NCBC's Earnings Yield (Greenblatt) is ranked higher than
72% of the 1411 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. NCBC: 6.90 )
NCBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.6   Max: 6.4
Current: 6.9

0.6
6.4
Forward Rate of Return (Yacktman) 10.58
NCBC's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 1095 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.48 vs. NCBC: 10.58 )
NCBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -6.7   Max: 46.8
Current: 10.58

-6.7
46.8

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
New Century Bancorp, Inc., was incorporated under the laws of the State of North Carolina on May 14, 2003 for the purpose of serving as the bank holding Company for New Century Bank and became the holding Company for New Century Bank on September 19, 2003. The Banks operate for the purpose of serving the banking needs of individuals, and small to medium-sized businesses in its respective market areas. It offers banking services including checking and savings accounts, commercial, consumer, mortgage and personal loans, and other associated financial services. The Bank is a North Carolina chartered commercial bank and its deposit accounts are insured by the Deposit Insurance Fund (DIF) administered by the Federal Deposit Insurance Corporation (FDIC). The Bank competes in its market areas with some of the largest banking organizations in the state and the country and other financial institutions, such as federally and state-chartered savings and loan institutions and credit unions, as well as consumer finance companies, mortgage companies and other lenders engaged in the business of extending credit. The Bank is subject to supervision, examination and regulation by the North Carolina Office of the Commissioner of Banks and the FDIC and to North Carolina and federal statutory and regulatory provisions governing such matters as capital standards, mergers, subsidiary investments and establishment of branch offices.

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